JPS60245081A - Transaction processing system - Google Patents

Abstract

PURPOSE:To shorten the time of customer's operation greatly and improve the utilization efficiency of a transaction processor main frame by inputting data through terminal equipment and recording it on a transaction card, and performing transaction processing by a transaction processor main frame on the basis of the data. CONSTITUTION:Plural reservation terminal devices 1, 1,... are provided separately from the transaction processor (ATM)3. An IC card is used as the transaction card and an integrated circuit including a CPU and a memory is incorporated in the IC card. Further, the IC card has large storage capacity and is so programmed that it is not read easily, so the data is never decoded by the third person and the safety is improved. Then, the terminal device 1 stores input data on transaction in the memory of the card temporarily. When a transaction is made, the stored data is read by the ATM3. Consequently, the operation which is performed on the terminal device 1 is omitted on the ATM3, which speeds up customer's operation.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of the Invention This invention relates to transaction processing systems, and more particularly to transaction processing systems such as A
TV (Automatic Terrors Machine) and CDs
This invention relates to improvements in transaction processing devices such as (cash dispensers) and automatic transfer devices.

Description of Prior Art Conventionally, in transaction processing devices such as ATVs, CDs, and automatic transfer devices, the part operated by the customer and the part that actually processes deposits and withdrawals are located in the same housing, so the customer's operation time is the same as the processing time. The time was extended, and expensive transaction processing equipment could not be used efficiently. In addition, customers are forced to wait for an extended period of time, resulting in a deterioration in customer service.

OBJECTS OF THE INVENTION It is an object of the present invention to provide a J: Una transaction processing system that can significantly increase the usage efficiency of a transaction processing device and thereby improve customer service.

Structure and Effects of the Invention To summarize, the present invention provides a plurality of terminals separate from the main body of the transaction processing device, inputs data related to the transaction through the operation of the terminal, and transfers the input data to the transaction card. The transaction processing device itself reads the data recorded on the transaction card and executes transaction processing based on this data.

According to this invention, since some of the operations performed by the customer, which were conventionally performed on the transaction processing device, are performed on the terminal, the time required for the customer to operate the transaction processing device itself can be significantly reduced. The usage efficiency of the transaction processing device itself can be greatly improved. Therefore, the time the customer waits at the main body of the transaction processing device can be significantly shortened, and the service provided to the customer can be improved. In addition, it is very economical because the disadvantages of the conventional system can be overcome without adding an expensive transaction processing device. Note that since terminals are much cheaper than transaction processing devices, it is much more economical to install multiple terminals than to add more transaction processing devices.

The present invention will be described in more detail below with reference to embodiments shown in the drawings: Description of Embodiments FIG. 1 is a block diagram showing the entire system of an embodiment of the present invention. In the figure, multiple reservation terminals 1, 1
．． ... is provided separately from ATM3. The data input at each reservation terminal is given to the ATM 3 using an IC card, which is an example of a transaction card, as a medium. The ATM 3 is connected to a center (not shown) via a communication line 4.

FIG. 2 is an external perspective view of the reservation terminal 1 shown in FIG. 1. This reservation terminal 1 is used to allow customers to perform some of the operations that were conventionally performed on ATVs. A front operation section of the reservation terminal 1 is provided with a CRT display 11 with touch keys, a card insertion slot 12, and a keyboard 13.

The CRT display with touch keys 11 has a so-called touch panel arranged on the display screen of a CRT display. This touch panel is divided into, for example, a matrix, and touch switches that can be operated independently for each hook are arranged. Therefore, when the touch panel is pressed with a fingertip or the like, only the switch of the pressed hook is turned on.

The CRT display displays what type of switch each hook on the touch panel is assigned to. The card insertion slot 12 is for inserting a transaction card such as a cash card or credit card.
An IC card reader/writer is provided inside. The keyboard 13 is equipped with various keys 7 necessary for entering data related to transactions. For example, as shown in FIG. 3, a numeric keypad 131, various function keys 132, etc. are provided.

Here, in this embodiment, an IC card is used as the transaction card. This IC card has the same size and shape as conventional magnetic cards such as cash cards and credit cards, and includes an integrated circuit including at least a CPU and a memory. Conventional magnetic cards have a small storage capacity, and the stored information is easy to decipher. Compared to conventional magnetic cards, IC cards have a larger storage capacity and are highly secure, as they are programmed so that they cannot be easily read, so there is no need to worry about the stored data being deciphered by others. There is a particular thing. In this embodiment, taking note of the large storage capacity of the IC card, transaction-related data input at the reservation terminal 1, such as the password and withdrawal amount, are stored in the memory of the HIC card. When conducting actual commercial transactions, data stored in the IC card is read by the ATM 3. As a result, reservation terminal 1
The operations performed at the ATM 3 can be omitted in order to speed up customer operations at the ATM 3.

FIG. 4 is a schematic block diagram of the reservation terminal 1 shown in FIG. In the figure, the aforementioned CRT display with touch keys (hereinafter simply referred to as a display) 11 and a keyboard 13 are connected to the CPU 14. Furthermore, C
A memory 15 and an IC card reader/writer 16 are connected to the PU 14 . The memory 15 stores an operating program for the CPU 14, and also stores various data necessary for data processing by the CPU 14. , the IC card reader/writer 16 is for reading data from the IC card inserted into the aforementioned card insertion slot 12 and writing data to this IC card.

FIG. 5 is an external perspective view of the ATV' 3 shown in FIG. 1. The front operation section of this ATM 3 has a passbook insertion slot 31.
．． Card insertion slot 329 Banknote exit 33. touch panel 3
4th class will be provided. Note that, like the touch panel described above, the touch panel 34 is divided into a matrix, and touch switches that can be operated independently for each hook are arranged. A CR'r display is arranged at the bottom of the touch panel 34.

FIG. 6 is a schematic block diagram of the ATM3. In the figure, the ATM 3 includes a customer service department 311, a form processing section 312, a banknote processing section 313, an attendant panel 314, and a control section 315.
and,? i[f 8iI section 316.

The customer service department 311 is for providing operation guidance to customers and for the customers to perform operations, and includes a CRT display, a voice guidance device, etc. in addition to the touch panel 34 described above. The form processing unit 312 is for processing IC cards and bankbooks. Banknote processing section 313
is the 1c mark which processes banknote withdrawals and deposits. The staff panel 314 is a panel that is operated by a staff member at the time of failure or error processing, and is provided inside the ATM 3. The control section 315 includes the customer service section 311, the form processing section 3129, the banknote processing section 313, and the staff panel 3.
This is for controlling the operations of 14. This control section 3
15 is connected to the center via the communication line 4. Note that the power supply unit 316 is an Ic unit that provides operating power to each of the above-mentioned circuit blocks.

FIG. 7 is a flow chart for explaining the operation of the reservation terminal 1. The operation of the reservation terminal 1 will be explained below with reference to FIG.

First, in step $1, operation guidance as shown in FIG. 8 is displayed on the display 11. After viewing this operating guidance, the customer inserts the IC card into card slot 1.
2 (step S2), or press any transaction selection key displayed on the display 11.

When the IC card is inserted into the card insertion slot 12, the card information is immediately read from the IC card and memory by the IC card reader/writer 16 in step S6.

On the other hand, when the payment key (the key displayed at the bottom left of the screen in FIG. 8) among the transaction selection keys is pressed (step S3), the operation guide "Please insert your card" appears on the display 11 in step S4. will be displayed. After viewing this operating guide, the customer inserts the IC card into the card insertion slot 12 (step 85). Thereafter, in step 86, the IC
Card information is read from the memory of the IC card by the card reader/writer 16.

Next, the process advances to step S7, and the CPU 14 performs step S6.
The contents of the card information of the IC card read are checked and it is determined whether it is normal or not. If it is determined that the IC card is not normal, that is, if the card information on the IC card has disappeared or if the IC card is a transaction card of another financial institution, a message to return the IC card will be displayed on the display 11 in step S8. The IC card is then returned at step $9. After that, the operation ends. On the other hand, if it is determined in step S7 that the operation is normal, in step 810 the operation guidance "Enter your PIN" is displayed on the display 11.
will be displayed. The customer looks at this operation guide and manually enters the password from the keyboard 13 (step 511).

Here, the entered PIN is checked by comparing it with the PIN registered at the center, and by comparing it with the PIN registered in the IC card. There is. In the former case, the reservation terminal 1 does not check the PIN number,
The PIN number is checked at the center. Therefore, in step S12 after step S11, it is determined whether or not the PIN number should be checked at the center, and if it is checked at the center, the process advances to step 814. On the other hand, if the PIN number is not checked at the center, step S1
Proceeding to step 3, it is determined whether the input password and the password included in the card information read from the IC card match. As a result of this determination, if the password numbers do not match, the operations of steps S8 and S9 described above are performed. On the other hand, if the PIN numbers match, step 81
Proceed to step 4. In step 814, the customer inputs the amount to be withdrawn from the keyboard 13.

Here, the transaction type (payment transaction) selected in steps S2 and S3 above, the card information read from the IC card in step S6, and the PIN number and amount information input in steps 811 and 314 are , respectively, are stored in the memory 15 of the reservation terminal 1, as shown in FIG. Subsequently, in step S15, the data stored in the memory 15 is edited into a format as shown in FIG. 10, and written into the memory of the IC card by the IC card reader/writer 16. At this time, the valid flag shown in FIG. 10 is set. Thereafter, in step 816 rI
An operation guide "Remove the C card" is displayed on the display 11. Then, the IC card is returned at step 7817. Next, the process advances to step 818, and the message "Cash is AT
"Pay with V" is displayed on the display 11.

After that, the operation ends.

FIG. 11A and FIG. 118 are flowcharts for explaining the operation of ATM3. Below, this first
The operation of the ATV 3 will be described with reference to FIG. 1A and FIG. 11B.

First, in step 820, an operational guide to "insert the IC card" is displayed on the CRT display provided in the customer service department 311. Subsequently, the process advances to step 821, where an IC card is accepted. This step 821
Then, the customer inserts the IC card into the card insertion slot 32 while viewing the operation guide. In response, an IC card reader/writer included in the customer service section 312 of the ATV 3 reads the data stored in the memory of the IC card, and stores it in the memory of the control section 315 as shown in FIG. Next, step 32
Proceed to step 2, and the operation guide ``Press the passbook or confirmation key'' is displayed on the CRT display. After reading this operating guide, the customer can either insert the passbook into the passbook insertion slot 31 or
Press the confirmation key displayed on the touch panel 34. Next, the process proceeds to step 823, where it is determined whether a passbook has been inserted. If a passbook has been inserted, the form processing unit 312 reads the data recorded on the magnetic stripe of the passbook and stores it in the memory of the control unit 315.
Proceed to step 25. On the other hand, if the passbook is not inserted, it is determined in step 824 whether or not the confirmation key has been pressed. If the confirmation key is not pressed, the process returns to step 823 again.

On the other hand, if the confirmation key is pressed, the process advances to step S25. In step 825, it is determined whether the valid flag in the data read from the memory of the IC card in step S21 is hit. If the valid flag is not set, the process proceeds to step 326, and the operation guide ``Please enter data first at the reservation terminal'' is displayed on the CRT display of the customer service department 311. Then, in step 327, the IC card, the bankbook, or both are returned. After that, the operation ends.

On the other hand, if it is determined in step S25 that the validity flag is set, then in step 828, the operation guidance "Please hold for a while" is displayed on the CRT display of the customer service department 311. Then, in step 829, the transmitted message in the format shown in FIG. 13 is edited. This transmission message is created based on data stored in the memory of the control unit 315 (see FIG. 12). The process then proceeds to step 830, where data is transmitted and received from the center. That is, the ATM 3 transmits a transmission message as shown in FIG. 13 to the center. The center searches the center file based on the received transmission message to determine whether the transaction is possible or not, and if the transaction is possible, updates the center file that stores the transaction data. When the transaction processing at the center is completed, the center returns the details of the transaction at that time to the ATM 3. When the ATM 3 receives the transaction details from the center, it proceeds to step 331 and clears the validity flag. Then, in step 832, it is determined whether a passbook was used in the current transaction. If a passbook is used, in step S33,
The transaction details returned from the center are printed on the passbook.

On the other hand, if the passbook is not in use, step S34
Then proceed to print the transaction details returned from the center on the slip. After steps 833 and 834, the process advances to step 835 shown in FIG. 11B, where an operational guide to ``Remove transaction card and passbook'' is displayed on the CRT display of customer service department 311. The process then proceeds to step 836, where the transaction card and passbook are returned. Then, in step 337, "
The operation guide "Get cash and slips" is displayed on the CRT display. Then, in step S38, cash and slips are released. After that, the operation ends.

In the above-described embodiments, the operations related to payment processing have been described, but it goes without saying that the present invention can also be applied to other transaction processing such as deposits, passbook entries, balance inquiries, and transfers. It should be noted that the effects of this invention will become more pronounced as the customer's operations become more complex, such as payment processing and transfer processing.

Further, in the above-described embodiments, an IC card is used as the transaction card, but other cards may be used as long as they have a recording area in which information can be stored and read.

Further, in the above-described embodiment C, the ATM 3 performs online processing, but the ATM 3 may perform offline processing.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing the entire system of an embodiment of the present invention. FIG. 2 is an external perspective view of the reservation terminal 1 shown in FIG. 1. Figure 3 shows the keyboard 13 shown in Figure 2.
FIG. 3 is a diagram showing an example of key arrangement. Figure 4 shows the reservation terminal I shown in Figure 1! 11 is a schematic block diagram of FIG. 5 is an external perspective view of the ATM 3 shown in FIG. 1. FIG. 6 is a block diagram of the ATM 3 shown in FIG. 1. FIG. 7 is a flowchart for explaining the operation of the reservation terminal 111. 8 is a diagram showing an example of operation guidance displayed on the display 11 of the reservation terminal 1. FIG. 9 is an illustrative diagram showing a part of the storage area of the memory 15 of the reservation terminal 1. Figure 10 is a diagram showing the format of data written to the IC card from the reservation terminal 1. Figures 11A and 11B are flowcharts for explaining the operation of the ATM 3. Figure 12 is a diagram showing the format of data written to the IC card from the reservation terminal 1. It is an illustrative diagram showing data read from the memory of the IC card and stored in the memory of the ATV. Fig. 13 is a diagram showing the format of data transmitted from the ATM 3 to the center. In the figure, 1 is a reservation terminal. 3 is ATM, 4 is communication line, 11 is display, 13 is keyboard, 14 is C
PU, 15 is memory, 16 is IC card reader/writer,
31 is a passbook insertion slot, 32 is a card insertion slot, 34 is a touch panel, 311 is a customer service department, 312 is a form processing unit, 313
315 indicates a banknote processing section and a control section. (2 others) Figure 3 P Figure 4 Figure S Figure 6 - 80 ZQ Figure Man 10 JIB Kuman 12

Claims (3)

[Claims] (1) A transaction processing system comprising a transaction processing device main body and a plurality of terminals provided separately from the transaction processing device main body, the terminals being used for inputting data related to transactions through operations by a customer. data input means; and data writing means for writing the data input from the data input means onto a transaction card; A transaction processing system comprising: means; and transaction processing means for executing transaction processing based on data read by the data reading means. (2) The transaction processing system according to claim 1, wherein the transaction card is an IC card. (3) The transaction processing means transmits the data read by the reading means to a center, and executes transaction processing based on the data returned from the center. 2. Transaction processing system according to paragraph 2 or paragraph 2.